significant difference because of all the years of compounding. when you get to be 50 and 55, now is becomes a lot harder. my message would be to start early and a little bit goes a long way. >> most people with all the retirement in their 401-k or i.r.a. it is tax defered, that is unfortunate because every dollar you are going to spend is going to be factioned. you want to put it in three different spots so that it will be tax-free, your rotha i.r.a., and tax defered, rur had 401-k, and your retirement savings, so you can draw from all three places. >> a lot of people have one of those. we need all three of those? >> you need all three of those. we don't know what will happen with taxes, but if we do nothing, taxes will go up substantially, and you don't want everything in a tax defered account and have it all taxed.